. >> that is appointed the aca that you have this discussion in a way that is much harder to have before. it is really saying, for those who are able to continue working, can we begin to re-orient and the expectation for the next generation which is what we are talking about, recognizing that for people who are in that now pre-medicare age, they will no longer have to postpone health care because they have options. it is why this discussion takes on a whole different tone as a result. >> i would say we have options that we don't know if they are affordable options and that is really the big difference. >> i will milliken, a immediate. what can we learn from other countries? i am wondering if any of you have studied the health benefit programs elsewhere and do any have comparable insurance programs in what has been the experience in other nations? >> most of them are struggling muddling with the promises they have made which encourage people to retire even earlier than they do in the united states and finding themselves in very significant fiscal problems. france has to be the poster chil